F40 seized for driver having no insurance
Discussion
I don't understand the logic behind spending so much to acquire such a legendary car, then taking it out on the open road with no insurance in place. I guess what the article means by "recently bought" may be open to some level of interpretation, but I'm guessing it means long enough to have had the chance to insure it (which is minutes) but not so long that they simply forgot to renew an existing policy.
https://www.itv.com/news/anglia/2023-04-04/ferrari...
After the wrecked Enzo on Jersey back in September, you'd think the owner would've wanted to have some level of protection for their financial outlay, let alone the illegality of driving without insurance, risks to other road users etc.
https://www.itv.com/news/anglia/2023-04-04/ferrari...
After the wrecked Enzo on Jersey back in September, you'd think the owner would've wanted to have some level of protection for their financial outlay, let alone the illegality of driving without insurance, risks to other road users etc.
There isn't necessarily any logic. It's just as likely that he didn't insure it through incompetence as through a desire to save a few hundred quid.
(My wife bought a new car a few months ago - not a Ferrari but expensive enough for us. She brought it home from the dealer on a seven day driveway policy or whatever, and "thought" that she'd transferred her insurance policy over from her old car to the new one soon afterwards. She only realised she'd never actually got round to calling her insurer last week when the letter from the MIB arrived. Thank God there were no accidents or stops in the meantime. I will be taking a closer interest in her insurance in future.)
(My wife bought a new car a few months ago - not a Ferrari but expensive enough for us. She brought it home from the dealer on a seven day driveway policy or whatever, and "thought" that she'd transferred her insurance policy over from her old car to the new one soon afterwards. She only realised she'd never actually got round to calling her insurer last week when the letter from the MIB arrived. Thank God there were no accidents or stops in the meantime. I will be taking a closer interest in her insurance in future.)
thegreenhell said:
Somebody posted in another thread that it was recently bought by an American and was legally covered on their US insurance, but obviously not showing as such on the MID.
I would doubt that their US insurance covered them legally to drive in the UK not even for Physical Damage let alone the Liability coverage - just like if you went to the US and claimed you had UK car insurance !alscar said:
thegreenhell said:
Somebody posted in another thread that it was recently bought by an American and was legally covered on their US insurance, but obviously not showing as such on the MID.
I would doubt that their US insurance covered them legally to drive in the UK not even for Physical Damage let alone the Liability coverage - just like if you went to the US and claimed you had UK car insurance !We have insurance if we drive to Europe in our cars, so why not? Might be feasible, although I would have thought that would have been mentioned to the BiB when they pulled them if it were the case.
E-bmw said:
Might not be beyond the realms of possibility for someone with supercar insurance at home. (not arguing obviously, as I don't know)
We have insurance if we drive to Europe in our cars, so why not? Might be feasible, although I would have thought that would have been mentioned to the BiB when they pulled them if it were the case.
No need for arguing We have insurance if we drive to Europe in our cars, so why not? Might be feasible, although I would have thought that would have been mentioned to the BiB when they pulled them if it were the case.
as I am only suggesting too.I think though that UK to Europe ( and back ) is a bit different.I imagine if that had been mentioned to the Police they might have just made the same comment as me.I think it was just uninsured - bizarrely or otherwise.
Could easily be an MIB cockup
My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance
My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance
[quote=The Wookie]Could easily be an MIB cockup
My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance[/quote
Yup could just be a cockup especially if only just purchased but I have been assured many times by my Brokers that the Police can always manage to speak to the right people even if not showing on MIB.
if you are spending that much time each year correcting errors then perhaps you need to think about a new Broker though ?!
My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance[/quote
Yup could just be a cockup especially if only just purchased but I have been assured many times by my Brokers that the Police can always manage to speak to the right people even if not showing on MIB.
if you are spending that much time each year correcting errors then perhaps you need to think about a new Broker though ?!
alscar said:
thegreenhell said:
Somebody posted in another thread that it was recently bought by an American and was legally covered on their US insurance, but obviously not showing as such on the MID.
I would doubt that their US insurance covered them legally to drive in the UK not even for Physical Damage let alone the Liability coverage - just like if you went to the US and claimed you had UK car insurance !Teddy Lop said:
I can well imagine the kind of global roaming individual who casually buys an F40 has some kind of "anything anywhere" policy, possibly a bond and self insuring to some degree, something you wouldn't find on compare the meerkat. The electric board when I worked for them had a bond and an effective "anyone anything" policy.
Agree they might well have although I don't think "self insurance "would still be legal so maybe just a temporary UK policy purchased -or not as in this case ? My point was more about the suggestion that a US policy would cover driving in the UK.I'm not sure your Electric board policy strategy would have fared too well with the average US police stop although would have made good YT viewing !
Hasn't a PHer done a book about them taking their 911 to America and touring America and got the 911 shipped back to Britain?
If they arranged car insurance in Britain to cover them in the US you'd think an American may be able to arrange insurance there to cover them here?
What happens at US military bases in the UK? Do or did all US military staff serving at those bases have to take out motor insurance in the UK?
£100 says the car was insured and the driver had their F40 confiscated because it's not on the MIB.
BiB know that if you conduct an operation using ANPR targetting an area that's a bit of a tourist trap with bars and fast food joints and where local 'enthusiasts' like to show off their vehicles that they'll get a few ANPR alerts for non-insurance because the drivers have just bought those vehicles and the MIB hasn't been updated.
"Computer says no".
Don't believe everything you read in the newspapers, on the Internet or police Social Media accounts?
I wouldn't call an F40 'a beauty'. The 288GTO is a much better looking car but I don't think that's a beauty or beautiful. A 308GTB or a Dino 206/246 could be beautiful but not an F40.
If they arranged car insurance in Britain to cover them in the US you'd think an American may be able to arrange insurance there to cover them here?
What happens at US military bases in the UK? Do or did all US military staff serving at those bases have to take out motor insurance in the UK?
£100 says the car was insured and the driver had their F40 confiscated because it's not on the MIB.
BiB know that if you conduct an operation using ANPR targetting an area that's a bit of a tourist trap with bars and fast food joints and where local 'enthusiasts' like to show off their vehicles that they'll get a few ANPR alerts for non-insurance because the drivers have just bought those vehicles and the MIB hasn't been updated.
"Computer says no".
Don't believe everything you read in the newspapers, on the Internet or police Social Media accounts?
I wouldn't call an F40 'a beauty'. The 288GTO is a much better looking car but I don't think that's a beauty or beautiful. A 308GTB or a Dino 206/246 could be beautiful but not an F40.
Edited by carinaman on Friday 7th April 10:09
carinaman said:
Hasn't a PHer done a book about them taking their 911 to America and touring America and got the 911 shipped back to Britain?
If they arranged car insurance in Britain to cover them in the US you'd think an American may be able to arrange insurance there to cover them here?
Maybe - I have no idea but the legal requirements here are somewhat different to the US so imagine that the average US Insurer will say no and the driver will therefore need to sort with a company based here ?
What happens at US military bases in the UK? Do or did all US military staff serving at those bases have to take out motor insurance in the UK?
Afaik they have to arrange the Insurance here - I think companies like Greenlight specialize in this.
If they arranged car insurance in Britain to cover them in the US you'd think an American may be able to arrange insurance there to cover them here?
Maybe - I have no idea but the legal requirements here are somewhat different to the US so imagine that the average US Insurer will say no and the driver will therefore need to sort with a company based here ?
What happens at US military bases in the UK? Do or did all US military staff serving at those bases have to take out motor insurance in the UK?
Afaik they have to arrange the Insurance here - I think companies like Greenlight specialize in this.
Edited by carinaman on Friday 7th April 10:09
The Wookie said:
Could easily be an MIB cockup
My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance
Or a broker cock up. I have a multi car policy and discovered (due to multiple letters from the DVLA) that my cars weren't showing as insured and hadn't been for months. That was apparently a clerical error. I wasn't pulled fortunately but it could have been highly inconvenient if I or a named driver had been stopped, especially at night. The Police seem pretty uncompromising when it comes to uninsured vehicles, unless it's all those white Transit pick ups I see which are never taxed or insured. Not seen one of those seized.My old man got pulled over a few weeks ago in his Range Rover for no insurance, we both have personal fleet policies as we have quite a few cars between us, but either the broker or the underwriter hadn’t logged it onto the MIB
Ironically he was on his way to a meeting with one of the shareholders of the brokers, and our personal guy dashed around to fix it, but ultimately the copper didn’t have to accept the phone call and email from the broker as truth and was within his rights to seize the car
Alternatively could easily be a personal cockup, I doubt many people who own an F40 will have less than 5 or 10 other cars. I sort out the details for both mine and my old man’s cars at the renewal every year and even using two fleet policies it is a pain in the arse, takes a day or two of going back and forth correcting clerical errors.
If you’re not on the ball you could easily make a mistake or misinterpret the small print on a particular car or feature of the insurance
alscar said:
Teddy Lop said:
I can well imagine the kind of global roaming individual who casually buys an F40 has some kind of "anything anywhere" policy, possibly a bond and self insuring to some degree, something you wouldn't find on compare the meerkat. The electric board when I worked for them had a bond and an effective "anyone anything" policy.
Agree they might well have although I don't think "self insurance "would still be legal so maybe just a temporary UK policy purchased -or not as in this case ? My point was more about the suggestion that a US policy would cover driving in the UK.I'm not sure your Electric board policy strategy would have fared too well with the average US police stop although would have made good YT viewing !
I’ve watched a video where the vlogger test drove a F-40. He stated the insurance for such a car was limited and the insurance company would only cover him for 1 very short trip (I can’t remember the distance, but it might be a 20 mile trip. Something like that).
So in my opinion. The F-40 in the Original Post probably did have insurance, it would be mad not to, but he went outside of the conditions imposed by the policy.
So in my opinion. The F-40 in the Original Post probably did have insurance, it would be mad not to, but he went outside of the conditions imposed by the policy.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff